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Posts tagged "credit card debt"

Americans took on less credit card debt in January

There are many reasons why people take on credit card debt and find themselves unable to repay what they have borrowed. For example, someone may experience unexpected financial challenges after being laid off from work or they could have turned to credit cards to deal with medical expenses. Regardless of the reasons why people rack up credit card debt, it is important for borrowers in Tampa and throughout Florida to deal with their credit cards as soon as possible.

Helping those who are struggling with credit card debt

From unemployment to costly medical expenses and unforeseen challenges in life, there are many reasons why people take on debt that they cannot repay. Unfortunately, far too many people in Tampa and throughout Florida are experiencing these difficulties firsthand and have no idea of what should be done next. At the law firm of Timothy J. Sierra, we understand the numerous obstacles that come with burdensome credit card debt and work hard to help ensure that our clients address their debt properly.

Can credit card debt always be discharged in bankruptcy?

There are many kinds of debt, but perhaps the most common amongst all people in the Tampa area, and elsewhere across the country, is credit card debt. Credit card debt is easy to accrue, but can be very difficult to pay off for many people. In fact, some people get into so much credit card debt that they have to consider filing for bankruptcy just to get out from underneath all that debt.

Could credit card rates be rising next year?

The holidays are officially here, which means a lot of different things to a lot of different people. However, one thing that almost everyone has in common when it comes to this time of year is the shopping. The holiday spending frenzy officially kicks off on Black Friday, or in may cases on Thanksgiving Day, and runs right up until the end of the year with all the after-Christmas deals. With all that spending going on many people in the Tampa area will surely be adding to their credit card bills.

Financing in Your 40s

For someone in their 40s, at this point in life they should have all student debt paid off and credit card debt cleared. Life earnings may increase, which means we should be adding more to our savings for the future of not only ourselves but our children or dependents. This should all be a part of financial management in our 40s, along with continuing to grow funds.

  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
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  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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